Auto Insurance Explained in Simple Terms

Auto insurance, is insurance that you purchase for your cars, trucks, motorcycles and boats etc. It provides you with protection from losses that may incur as a result of a car accident. While this may sound simple enough to understand there are many types of auto insurance policies available to you and it can be rather confusing. Your coverage level and types will vary depending on the policy that you choose.

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    by Penny Hagerman

    We're all looking for ways to save money on our auto insurance. But most people don't know that preventing vehicle theft is a big step in the right direction--and can put those cheap auto insurance rates within reach.

    A recent study revealed that one in 10 Americans have been victimized by vehicle theft. High theft rates mean greater risk for auto insurance companies, who then make up the difference by charging steeper auto insurance premiums.

    But by taking a few simple precautions to cut your vehicle's risk of thievery, you can reduce your auto insurance premiums--and avoid becoming another statistic.

    Preventing Theft

    These preventative measures will help protect your car and discourage burglars:

    Install alarms and other security devices that activate automatically; or activate anti-theft devices upon exiting your car.

    Drive in the inside lane when on the freeway to avoid becoming a victim of "bump and run," a popular auto insurance scam.

    Keep all personal items inside your car out of sight to discourage theft.

    When leaving your car in a parking lot, park as close to the entrance as possible to make it less of a target.

    Lock your doors, raise your windows, and take your keys with you.

    Use a wheel locking device or ignition disabler to immobilize your car.

    Set your emergency brake, and turn your wheels sharply toward the curb or parking block to discourage towing.

    Keep your car in your garage when at home, and lock both the car and the garage.

    Don't reward thieves by making your vehicle a target. Take action and make positive changes to ensure your vehicle remains secure.

    Then inform your insurance agent, and ask for auto insurance discounts. You might be surprised what a difference a few simple changes can make when it comes to getting cheap auto insurance!


    About InsureMe

    InsureMe, an Englewood, Colorado-based company, links agents nationwide with consumers shopping for insurance. Specializing in home, life, long-term care, health and auto insurance quotes, the InsureMe network provides thousands of agents with auto insurance leads every year. For more information, visit

    About the Author

    Penny Hagerman is a copywriter and insurance information expert based in Denver, Colorado. She holds a BA in Communications/Journalism, and contributes years of writing and editing experience in print media and Internet communications through her informative articles.

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